/* =========================================================================
   Teamworks Insurance Agency — Design System
   Standalone static site. No build step. Plain CSS.
   ========================================================================= */

/* ---- Design tokens --------------------------------------------------- */
:root {
  /* Brand palette — trust-forward navy + confident action blue */
  --navy-950: #071a2f;
  --navy-900: #0a2540;
  --navy-800: #0f3157;
  --navy-700: #164272;

  --brand-700: #1550b8;
  --brand-600: #1d5fd6;
  --brand-500: #2a70e6;
  --brand-100: #dce9fd;
  --brand-050: #eef4fe;

  /* Warm accent — used sparingly for emphasis */
  --accent-600: #e0891b;
  --accent-500: #f5a623;
  --accent-100: #fdeccb;

  --success-600: #1f9d63;

  /* Neutrals */
  --ink: #0e2439;
  --body: #33475b;
  --muted: #64778a;
  --line: #e3eaf2;
  --line-strong: #cdd8e6;
  --bg: #ffffff;
  --bg-alt: #f4f8fd;
  --bg-navy: var(--navy-900);

  /* Typography */
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Sora", var(--font-sans);

  /* Radii + shadows */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 26px;
  --r-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.06), 0 1px 3px rgba(10, 37, 64, 0.08);
  --shadow-md: 0 6px 18px rgba(10, 37, 64, 0.08), 0 2px 6px rgba(10, 37, 64, 0.06);
  --shadow-lg: 0 18px 48px rgba(10, 37, 64, 0.14), 0 6px 16px rgba(10, 37, 64, 0.08);

  /* Layout */
  --maxw: 1160px;
  --gutter: clamp(20px, 5vw, 48px);
  --section-y: clamp(56px, 8vw, 104px);
}

/* ---- Reset ----------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, picture, svg, video { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--brand-600); text-decoration: none; }
a:hover { color: var(--brand-700); }
button, input, select, textarea { font: inherit; color: inherit; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink); line-height: 1.12; font-weight: 700; letter-spacing: -0.015em; }
ul, ol { padding-left: 1.15em; }

:focus-visible {
  outline: 3px solid var(--brand-500);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---- Layout helpers -------------------------------------------------- */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: var(--section-y); }
.section--alt { background: var(--bg-alt); }
.section--navy { background: var(--bg-navy); color: #d6e3f2; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-display);
  font-weight: 600; font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--brand-600);
}
.section--navy .eyebrow { color: var(--accent-500); }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: currentColor; border-radius: 2px; }

.section-head { max-width: 62ch; margin-bottom: clamp(32px, 5vw, 52px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.7rem, 3.6vw, 2.6rem); margin: 14px 0 0; }
.section-head p { margin-top: 16px; font-size: 1.08rem; color: var(--muted); }
.section--navy .section-head p { color: #a9c1da; }

/* ---- Buttons --------------------------------------------------------- */
.btn {
  --btn-bg: var(--brand-600);
  --btn-fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-display); font-weight: 600; font-size: 0.98rem;
  padding: 14px 26px; border-radius: var(--r-pill);
  background: var(--btn-bg); color: var(--btn-fg);
  border: 1.5px solid transparent; cursor: pointer;
  transition: transform .15s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease;
  box-shadow: var(--shadow-sm); text-align: center;
}
.btn:hover { color: var(--btn-fg); transform: translateY(-2px); box-shadow: var(--shadow-md); background: var(--brand-700); }
.btn:active { transform: translateY(0); }
.btn--accent { --btn-bg: var(--accent-500); color: var(--navy-950); }
.btn--accent:hover { background: var(--accent-600); color: var(--navy-950); }
.btn--ghost {
  --btn-bg: transparent; color: var(--brand-600);
  border-color: var(--line-strong); box-shadow: none;
}
.btn--ghost:hover { background: var(--brand-050); border-color: var(--brand-100); color: var(--brand-700); }
.btn--white { --btn-bg: #fff; color: var(--navy-900); }
.btn--white:hover { background: #eaf1fb; color: var(--navy-900); }
.btn--on-navy.btn--ghost { color: #fff; border-color: rgba(255,255,255,.28); }
.btn--on-navy.btn--ghost:hover { background: rgba(255,255,255,.1); color: #fff; }
.btn--lg { padding: 16px 32px; font-size: 1.04rem; }
.btn--block { width: 100%; }

/* ---- Site header ----------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255,255,255,0.9);
  backdrop-filter: saturate(140%) blur(12px);
  -webkit-backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.topbar {
  background: var(--navy-900); color: #cfe0f2;
  font-size: 0.86rem;
}
.topbar .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 40px; }
.topbar a { color: #eaf1fb; }
.topbar a:hover { color: #fff; }
.topbar__contact { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.topbar__contact span, .topbar__contact a { display: inline-flex; align-items: center; gap: 7px; }
.topbar__cta { display: inline-flex; align-items: center; gap: 16px; }
.topbar__cta .pill {
  padding: 4px 14px; border-radius: var(--r-pill);
  border: 1px solid rgba(255,255,255,.22); font-weight: 600;
}
.topbar__cta .pill:hover { background: rgba(255,255,255,.12); }

.navbar { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 74px; }
.brand { display: inline-flex; align-items: center; gap: 12px; font-family: var(--font-display); font-weight: 800; color: var(--ink); font-size: 1.16rem; letter-spacing: -0.02em; }
.brand:hover { color: var(--ink); }
.brand__mark {
  width: 40px; height: 40px; border-radius: 11px; flex: none;
  background: linear-gradient(135deg, var(--brand-600), var(--navy-800));
  display: grid; place-items: center; color: #fff; font-size: 1.15rem; box-shadow: var(--shadow-sm);
}
.brand small { display: block; font-family: var(--font-sans); font-weight: 500; font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a.nav__link, .nav button.nav__link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 14px; border-radius: var(--r-sm);
  font-weight: 600; font-size: 0.96rem; color: var(--ink);
  background: none; border: none; cursor: pointer;
}
.nav a.nav__link:hover, .nav button.nav__link:hover { background: var(--brand-050); color: var(--brand-700); }
.nav a.nav__link[aria-current="page"] { color: var(--brand-700); }

.nav__item { position: relative; }
.nav__item .caret { transition: transform .2s ease; }
.dropdown {
  position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%) translateY(6px);
  min-width: 320px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: 10px;
  opacity: 0; visibility: hidden; transition: opacity .18s ease, transform .18s ease; z-index: 70;
}
/* Transparent bridge across the 10px gap so the cursor can travel from the
   trigger into the menu without the hover state dropping and closing it. */
.dropdown::before {
  content: ""; position: absolute; left: 0; right: 0; top: -14px; height: 14px;
}
.nav__item:hover .dropdown, .nav__item:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0);
}
.nav__item:hover .caret, .nav__item:focus-within .caret { transform: rotate(180deg); }
/* Click / tap opened state (JS-driven) — mirrors the hover state above. */
.nav__item.open .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav__item.open .caret { transform: rotate(180deg); }
.dropdown a {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 11px 12px; border-radius: var(--r-sm); color: var(--ink);
}
.dropdown a:hover { background: var(--brand-050); }
.dropdown a .dd-icon { flex: none; width: 34px; height: 34px; border-radius: 9px; background: var(--brand-050); color: var(--brand-600); display: grid; place-items: center; }
.dropdown a strong { display: block; font-family: var(--font-display); font-size: 0.95rem; }
.dropdown a span { font-size: 0.83rem; color: var(--muted); line-height: 1.4; }

.nav__actions { display: flex; align-items: center; gap: 12px; }

/* Mobile nav toggle */
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: var(--r-sm); border: 1px solid var(--line-strong); background: #fff; cursor: pointer; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; display: block; width: 20px; height: 2px; background: var(--ink); border-radius: 2px; margin-inline: auto; position: relative; transition: .2s ease;
}
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after { position: absolute; top: 6px; }

/* ---- Hero ------------------------------------------------------------ */
.hero { position: relative; background: var(--navy-900); color: #dbe7f4; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(1100px 520px at 82% -8%, rgba(42,112,230,.42), transparent 60%),
    radial-gradient(720px 420px at 8% 108%, rgba(21,66,114,.55), transparent 62%);
}
.hero .container { position: relative; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(28px, 5vw, 64px); align-items: center; padding-block: clamp(48px, 8vw, 92px); }
.hero__eyebrow { color: var(--accent-500); }
.hero h1 { color: #fff; font-size: clamp(2.1rem, 5vw, 3.5rem); margin: 16px 0 0; }
.hero p.lede { margin-top: 20px; font-size: clamp(1.05rem, 2vw, 1.22rem); color: #b8cde3; max-width: 52ch; }
.hero__actions { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero__trust { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 22px 30px; font-size: 0.9rem; color: #9fb8d2; }
.hero__trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero__trust svg { color: var(--accent-500); }
.hero__media { position: relative; }
.hero__media img { border-radius: var(--r-xl); box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; aspect-ratio: 4 / 3.4; }
.hero__badge {
  position: absolute; left: -18px; bottom: 26px; background: #fff; color: var(--ink);
  border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: 16px 20px; display: flex; align-items: center; gap: 14px; max-width: 260px;
}
.hero__badge .n { font-family: var(--font-display); font-weight: 800; font-size: 1.6rem; color: var(--brand-600); line-height: 1; }
.hero__badge small { color: var(--muted); font-size: 0.82rem; }

/* ---- Trust bar / logos ---------------------------------------------- */
.trustbar { border-block: 1px solid var(--line); background: #fff; }
.trustbar .container { display: flex; align-items: center; justify-content: center; gap: clamp(20px, 5vw, 56px); flex-wrap: wrap; padding-block: 26px; }
.trustbar p { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--muted); font-weight: 600; }
.trustbar .logos { display: flex; gap: clamp(20px, 4vw, 48px); flex-wrap: wrap; align-items: center; opacity: .72; font-family: var(--font-display); font-weight: 700; color: var(--navy-800); font-size: 1.05rem; }

/* ---- Cards / product grid ------------------------------------------- */
.grid { display: grid; gap: clamp(18px, 2.5vw, 26px); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }

.pcard {
  position: relative; display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.pcard:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--brand-100); }
.pcard__media { aspect-ratio: 16 / 10; overflow: hidden; background: var(--bg-alt); }
.pcard__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.pcard:hover .pcard__media img { transform: scale(1.05); }
.pcard__body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.pcard__icon { width: 44px; height: 44px; border-radius: 12px; background: var(--brand-050); color: var(--brand-600); display: grid; place-items: center; margin-bottom: 14px; }
.pcard h3 { font-size: 1.18rem; }
.pcard p { margin-top: 9px; font-size: 0.96rem; color: var(--muted); flex: 1; }
.pcard__link { margin-top: 16px; font-family: var(--font-display); font-weight: 600; font-size: 0.94rem; color: var(--brand-600); display: inline-flex; align-items: center; gap: 7px; }
.pcard__link svg { transition: transform .2s ease; }
.pcard:hover .pcard__link svg { transform: translateX(4px); }

/* Feature / value cards (no image) */
.fcard { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px; box-shadow: var(--shadow-sm); }
.fcard .fcard__icon { width: 48px; height: 48px; border-radius: 13px; background: linear-gradient(135deg, var(--brand-600), var(--navy-800)); color: #fff; display: grid; place-items: center; margin-bottom: 16px; }
.fcard h3 { font-size: 1.14rem; }
.fcard p { margin-top: 8px; color: var(--muted); font-size: 0.97rem; }

/* ---- Steps ----------------------------------------------------------- */
.steps { counter-reset: step; display: grid; gap: 22px; grid-template-columns: repeat(3, 1fr); }
.step { position: relative; padding-left: 4px; }
.step__n { width: 46px; height: 46px; border-radius: var(--r-pill); background: var(--accent-100); color: var(--accent-600); display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; margin-bottom: 14px; }
.section--navy .step__n { background: rgba(245,166,35,.16); }
.step h3 { font-size: 1.16rem; }
.step p { margin-top: 8px; color: var(--muted); }
.section--navy .step p { color: #a9c1da; }

/* ---- CTA band -------------------------------------------------------- */
.cta-band { position: relative; overflow: hidden; background: linear-gradient(120deg, var(--brand-700), var(--navy-800)); color: #fff; border-radius: var(--r-xl); padding: clamp(34px, 5vw, 56px); }
.cta-band::after { content: ""; position: absolute; right: -60px; top: -60px; width: 320px; height: 320px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,.14), transparent 70%); }
.cta-band .inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3.2vw, 2.3rem); }
.cta-band p { margin-top: 10px; color: #cfe0f5; max-width: 46ch; }

/* ---- Forms ----------------------------------------------------------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-md); padding: clamp(24px, 4vw, 40px); }
.field { margin-bottom: 18px; }
.field label { display: block; font-family: var(--font-display); font-weight: 600; font-size: 0.9rem; color: var(--ink); margin-bottom: 7px; }
.field .req { color: var(--brand-600); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border-radius: var(--r-sm);
  border: 1.5px solid var(--line-strong); background: #fff; font-size: 1rem; transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand-500); box-shadow: 0 0 0 4px var(--brand-050); }
.field textarea { min-height: 130px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-note { font-size: 0.85rem; color: var(--muted); margin-top: 6px; }

/* ---- Contact info list ---------------------------------------------- */
.info-list { display: grid; gap: 20px; }
.info-item { display: flex; gap: 15px; }
.info-item__icon { flex: none; width: 46px; height: 46px; border-radius: 12px; background: var(--brand-050); color: var(--brand-600); display: grid; place-items: center; }
.info-item h4 { font-family: var(--font-display); font-size: 1rem; color: var(--ink); }
.info-item p, .info-item a { color: var(--muted); font-size: 0.98rem; }
.info-item a:hover { color: var(--brand-600); }

/* ---- Page hero (interior pages) ------------------------------------- */
.page-hero { background: var(--navy-900); color: #cfe0f2; position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(900px 400px at 85% -20%, rgba(42,112,230,.4), transparent 60%); }
.page-hero .container { position: relative; padding-block: clamp(40px, 7vw, 76px); }
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4.4vw, 3rem); margin-top: 14px; max-width: 20ch; }
.page-hero p { margin-top: 16px; color: #b8cde3; max-width: 60ch; font-size: 1.08rem; }
.breadcrumb { font-size: 0.86rem; color: #8fabc9; display: flex; gap: 8px; align-items: center; }
.breadcrumb a { color: #b8cde3; }
.breadcrumb a:hover { color: #fff; }

/* Interior content layout */
.content-layout { display: grid; grid-template-columns: 1fr 340px; gap: clamp(30px, 5vw, 56px); align-items: start; }
.prose > * + * { margin-top: 1.1em; }
.prose h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-top: 1.6em; }
.prose h3 { font-size: 1.25rem; margin-top: 1.4em; }
.prose p, .prose li { color: var(--body); }
.prose ul { display: grid; gap: 10px; padding-left: 0; list-style: none; }
.prose ul li { position: relative; padding-left: 30px; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: 9px; width: 16px; height: 16px; border-radius: 50%; background: var(--brand-050); }
.prose ul li::after { content: ""; position: absolute; left: 9px; top: 13px; width: 6px; height: 6px; border-radius: 50%; background: var(--brand-600); }
.prose img { border-radius: var(--r-lg); box-shadow: var(--shadow-md); }

.sidebar-card { position: sticky; top: 96px; background: var(--navy-900); color: #cfe0f2; border-radius: var(--r-lg); padding: 28px; box-shadow: var(--shadow-md); }
.sidebar-card h3 { color: #fff; font-size: 1.2rem; }
.sidebar-card p { color: #a9c1da; margin-top: 8px; font-size: 0.95rem; }
.sidebar-card .btn { margin-top: 18px; }
.sidebar-card .phone { margin-top: 18px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.14); }
.sidebar-card .phone a { color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 1.35rem; }

.coverage-list { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; margin-top: 8px; }
.coverage-list .ci { display: flex; gap: 11px; align-items: flex-start; background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--r-md); padding: 15px 16px; }
.coverage-list .ci svg { color: var(--success-600); flex: none; margin-top: 2px; }
.coverage-list .ci strong { font-family: var(--font-display); font-size: 0.98rem; color: var(--ink); }

/* ---- FAQ ------------------------------------------------------------- */
.faq { display: grid; gap: 12px; max-width: 820px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 4px 22px; box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; list-style: none; padding: 18px 0; font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; color: var(--ink); display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.5rem; color: var(--brand-600); transition: transform .2s ease; line-height: 1; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding-bottom: 20px; color: var(--muted); margin-top: -4px; }

/* ---- Footer ---------------------------------------------------------- */
.site-footer { background: var(--navy-950); color: #9fb6cf; padding-block: clamp(48px, 7vw, 76px) 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.site-footer .brand { color: #fff; }
.site-footer .brand small { color: #7f9bb8; }
.site-footer h4 { font-family: var(--font-display); color: #fff; font-size: 0.82rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; display: grid; gap: 11px; }
.site-footer a { color: #9fb6cf; font-size: 0.96rem; }
.site-footer a:hover { color: #fff; }
.footer-about p { margin-top: 16px; font-size: 0.95rem; max-width: 34ch; }
.footer-contact { display: grid; gap: 12px; margin-top: 4px; }
.footer-contact a, .footer-contact span { display: flex; gap: 10px; align-items: flex-start; font-size: 0.96rem; }
.footer-contact svg { flex: none; margin-top: 3px; color: var(--brand-500); }
.footer-bottom { margin-top: clamp(36px, 5vw, 56px); border-top: 1px solid rgba(255,255,255,.1); padding-block: 24px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 0.86rem; }
.footer-bottom .legal { display: flex; gap: 20px; flex-wrap: wrap; }

/* ---- Utilities ------------------------------------------------------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.stack-lg > * + * { margin-top: 22px; }
.badge-soft { display: inline-flex; align-items: center; gap: 7px; background: var(--brand-050); color: var(--brand-700); font-family: var(--font-display); font-weight: 600; font-size: 0.82rem; padding: 6px 14px; border-radius: var(--r-pill); }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; background: #fff; color: var(--ink); padding: 10px 18px; border-radius: var(--r-sm); z-index: 200; transition: top .2s ease; box-shadow: var(--shadow-md); }
.skip-link:focus { top: 12px; }

/* ---- Responsive ------------------------------------------------------ */
@media (max-width: 1000px) {
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .content-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
}
@media (max-width: 860px) {
  .topbar { display: none; }
  .nav__actions .btn:not(.nav-toggle) { display: none; }
  .nav { display: none; }
  .nav-toggle { display: grid; place-items: center; }
  .hero .container { grid-template-columns: 1fr; }
  .hero__media { order: -1; }
  .hero__media img { aspect-ratio: 16 / 11; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .grid--3 { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .grid--4, .grid--2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .coverage-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band .inner { flex-direction: column; align-items: flex-start; }
}

/* ---- Mobile menu (JS-driven) ---------------------------------------- */
.mobile-menu { position: fixed; inset: 0; z-index: 100; background: rgba(7,26,47,.5); opacity: 0; visibility: hidden; transition: opacity .2s ease; }
.mobile-menu.open { opacity: 1; visibility: visible; }
.mobile-menu__panel { position: absolute; right: 0; top: 0; height: 100%; width: min(360px, 88vw); background: #fff; box-shadow: var(--shadow-lg); padding: 22px; overflow-y: auto; transform: translateX(100%); transition: transform .25s ease; }
.mobile-menu.open .mobile-menu__panel { transform: translateX(0); }
.mobile-menu__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.mobile-menu__close { width: 44px; height: 44px; border-radius: var(--r-sm); border: 1px solid var(--line); background: #fff; font-size: 1.5rem; cursor: pointer; }
.mobile-menu nav { display: grid; gap: 4px; }
.mobile-menu nav a { padding: 13px 12px; border-radius: var(--r-sm); font-family: var(--font-display); font-weight: 600; color: var(--ink); }
.mobile-menu nav a:hover { background: var(--brand-050); }
.mobile-menu .sub { padding-left: 14px; border-left: 2px solid var(--line); margin: 4px 0 8px; display: grid; gap: 2px; }
.mobile-menu .sub a { font-weight: 500; font-size: 0.95rem; color: var(--body); padding: 9px 12px; }
.mobile-menu__cta { margin-top: 18px; display: grid; gap: 10px; }

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}

/* Logo image */
.brand__logo { display: block; height: 52px; width: auto; max-width: 100%; }
.mobile-menu__head .brand__logo { height: 42px; }
.brand__logo--footer { height: 56px; margin-bottom: 4px; }
@media (max-width: 600px) { .site-header .brand__logo { height: 42px; } }

/* Keep the desktop menu on one line at in-between widths */
.nav a.nav__link, .nav button.nav__link, .nav__actions .btn, .topbar a { white-space: nowrap; }
@media (max-width: 1140px) {
  .nav__actions .btn:not(.nav-toggle) { display: none; } /* phone number is still in the top bar */
  .site-header .brand__logo { height: 44px; }
}
.topbar__cta > a:not(.pill) { display: inline-flex; align-items: center; gap: 7px; }